Bad debt is sacrificing your future day needs for your present day desires.

We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts.

The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance.

Focus on what you have.

Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy.

Recast your current problems into proactive goals.

Women are fighters. They will fight and fight and fight to get what they need, especially if they have children.